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Norther Rock - Outstanding Debt


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My daughter and partner took out joint mortgage (she thinks it was a 'Together Mortgage) for a 100% mortgage and secured loan to buy their first home a few years ago.

Long story short - daughter / partner split up, daughter moves out to rented accom leaving ex in house paying mortgage, or so she thought!

Her ex then lost his job and moved out into rented accomm, she thinks he handed keys back to lender.

Not sure exactly what happened re. disposal of house, she doesn't have any letters re. arrears, re-possesion, etc as ex made monthly payments.

Northern Rock now writing / chasing her for unspecified 'outstanding debt' which they intend to recover.

Not sure whether sending letter denying knowledge of debt and getting them to provide evidence of exactly what it is for OR whether to send SAR to get all info held would be best approach - would appreciate some advice / help.

Cheers, SH :???:

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